A new way to get a mortgage for Arizona & Colorado self-employed borrowers
An AZ/CO-based mortgage company that specializes in helping self-employed borrowers qualify for a loan without requiring tax returns for income verification.
"Vibrato leads the charge to make it easier for the self-employed to get mortgages..."
We understand many borrowers don't "fit into the box"— and that's no problem at all.
Our lending partners understand that evaluating a self- employed borrower or real estate investor isn't as straightforward as a paystub-based W2 applicant.
We offer the ability to use different income qualification methods besides requiring tax returns.
Bank statements, 1099, no-income-documentation and vacation rental cashflow loans, we have many unique ways to get you qualified for the perfect home. Woohoo!
A Streamlined, Modern Mortgage Process
1. Tell us a bit about the loan you're looking for and your business — no credit check.
We'll ask you some simple questions about the home you're purchasing or refinancing to get started (no credit check or SSN is collected).
2. We'll then discuss tailored mortgage loan options for your particular situation.
Based on the information submitted, we'll go over different mortgage types you may qualify for (interest rates, fees, terms, etc).
3. If you're ready to move forward, we'll complete your application and get started!
We'll get the last few pieces needed to complete your application (credit report and FICO score) and then get everything in motion to get your loan done!
Our Team Gets It
Vibrato was created by entrepreneurs just like yourself — we speak your language. You're at home with our team.
Self-Employed Mortgage Options Unique As You
Vibrato focuses on helping the underserved market of creditworthy self-employed borrowers who struggle to qualify for mortgage loans due to lenders requiring tax returns for income verification.
Home Purchase
Up to 90% LTV (based on loan amount & FICO)
- 12 or 24 Bank Statement Loan Options (up to 90% LTV)
- No-Income-Documentation Loan Options (up to 80% LTV depending on FICO)
- Investment Property Loan Options (up to 80% LTV, depending on investment property history and FICO)
- 1099-Only Loan Options (up to 80% LTV)
- No tax returns required
- Reserves required (varies based on loan type and amount)
- "Jumbo" Loans available
- Down payment gift funds may be eligible
- Primary, secondary and investment properties
- Short seasoning requirements for past bankruptcy, short sale or foreclosure (lower LTV)
Refinance or Equity Cash-Out
Up to 80% LTV (based on loan amount & FICO)
- 12 or 24 Bank Statement Loan Options (up to 90% LTV)
- No-Income-Documentation Loan Options (up to 80% LTV depending on FICO)
- Investment Property Loan Options (up to 80% LTV, depending on investment property history and FICO)
- Jumbo Loans available
- No tax returns required
- Primary, secondary or investment properties
- DTI ratios up to 50% (depending on loan amount and FICO score)
- Short seasoning requirements for past bankruptcy, short sale or foreclosure
- Cash-out & rate/term-only Options
Bank Statement Loans
Meet income requirements with only bank statements
- 12 or 24 month statement options (up to 90% LTV)
- No tax returns required
- Purchase and refinance/cash-out options available
No-Income-Docs
For those with non-traditional income generation
- No Income Documentation is required at all to qualify
- LTV up to 80%
- Purchase and refinance/cash-out options available
1099 Income Loans
Use only your 1099 compensation to qualify
- Current 1099 & 2 months bank statements to verify income
- LTV up to 90%
- Purchase and refinance/cash-out options available
Home Equity Loans
Get the cash you need without refinancing and increasing your first mortgage interest rate
- Up to 90% LTV (on primary residences based on FICO)
- No tax returns needed - only personal or business bank statements
- Loan amounts available up to $450k
Jumbo Loans
Use bank statements to qualify for a jumbo mortgage (no tax returns required up to $4m)
- 12 or 24 personal or business bank statement options
- Primary/Secondary/Investment properties allowed
- Up to 90% LTV (lower for cash-out refinances)
Rental Properties
Obtain or refinance a mortgage on an investment property without personal tax returns
- Up to 80% LTV (based on loan amount and FICO)
- No personal income docs — only property cashflow
- Loans can be closed in the name of an LLC
What Others Are Saying…
I found Vibrato online and chatted with Tim. Him and Tyler were both great to work with and super helpful when it came to answering questions and providing rates and options with bank statement loans.
Michael H.
Sean was extremely thorough helping me understand how the qualification process for these mortgages is different. Getting pre-approved was easy and I'd highly recommend them!
Rossilyn P.
Copyright © 2024 Vibrato 9375 E Shea Blvd Suite 100 Scottsdale, AZ 85260
Lender Labs LLC dba Vibrato, NMLS: #2420007 Arizona License: MB-1042016 Colorado License: MLO.100537074. To check the license status of your mortgage broker, visit http://www.dora.state.co.us/realestate/index.htm